Terry Black’s Barbeque, LLC v. State Automobile Mutual Insurance Co.
The District Court adopted the Magistrate Judge's recommendation to grant the insurer's motion judgment on the pleadings because no allegation existed of a "direct physical loss" for purposes of establishing business interruption coverage. The court also agreed that a "Restaurant Extension Endorsement" was not implicated based on the allegations. Notably, no virus exclusion existed in the policy.
commercial property insurance policy, COVID-19, business interruption, direct physical loss or damage, restaurant extension endorsement, motion for judgment on the pleadings
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